<ARTICLE>       9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheet and the Consolidated Statement of Income filed as
part of the quarterly report on Form 10-Q and is qualified in its entirety by
reference to such quarterly report on Form 10-Q.
</LEGEND>
<MULTIPLIER>    1,000


                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>               DEC-31-1999
<PERIOD-END>                    JUN-30-1999
<CASH>                               28,038
<INT-BEARING-DEPOSITS>                1,540
<FED-FUNDS-SOLD>                          0
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>          54,185
<INVESTMENTS-CARRYING>               34,590
<INVESTMENTS-MARKET>                 34,531
<LOANS>                             730,806
<ALLOWANCE>                          17,215
<TOTAL-ASSETS>                      884,076
<DEPOSITS>                          603,120
<SHORT-TERM>                         94,589
<LIABILITIES-OTHER>                  11,634
<LONG-TERM>                         107,804
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
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<OTHER-SE>                           66,807
<TOTAL-LIABILITIES-AND-EQUITY>      884,076
<INTEREST-LOAN>                      30,310
<INTEREST-INVEST>                     1,847
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<INTEREST-TOTAL>                     32,157
<INTEREST-DEPOSIT>                   11,941
<INTEREST-EXPENSE>                   16,419
<INTEREST-INCOME-NET>                15,737
<LOAN-LOSSES>                         1,150
<SECURITIES-GAINS>                      268
<EXPENSE-OTHER>                      12,292
<INCOME-PRETAX>                       9,994
<INCOME-PRE-EXTRAORDINARY>            9,994
<EXTRAORDINARY>                           0
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<EPS-BASIC>                           .87
<EPS-DILUTED>                           .86
<YIELD-ACTUAL>                         3.99
<LOANS-NON>                           9,951
<LOANS-PAST>                              0
<LOANS-TROUBLED>                          0
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<ALLOWANCE-OPEN>                     16,928
<CHARGE-OFFS>                         2,160
<RECOVERIES>                          1,297
<ALLOWANCE-CLOSE>                    17,215
<ALLOWANCE-DOMESTIC>                 17,215
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>                   0